| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QBA BENEFITS LLC3 Filed as: QBA BENEFITS, LLC | 24610 DETROIT RD STE 150 WESTLAKE, OH 44145 | PRINCIPAL LIFE INSURANCE | $26K | — | $26K | 7.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICES, | P.O. BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE | $4K | — | $4K | 1.13% |
| JAMES HARMON3 | 24610 DETROIT RD STE 150 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $14K | — | $14K | 7.61% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | P.O. BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE | $4K | — | $4K | 2.39% |
| QBA BENEFITS LLC3 Filed as: QBA BENEFITS | 24610 DETROIT RD STE 150 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $3K | — | $3K | 1.69% |
| JAMES HARMON3 | 24610 DETROIT RD STE 150 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | $11K | — | $11K | 7.63% |
| QBA BENEFITS LLC3 | 24610 DETROIT RD STD 150 WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $4K | $4K | 2.83% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | P.O. BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE | $4K | — | $4K | 2.37% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 250 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE | 649 | $364K |
| Vision | PRINCIPAL LIFE INSURANCE | 649 | $364K |
| Life insurance | PRINCIPAL LIFE INSURANCE | 649 | $364K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE | 261 | $179K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE | 195 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.